SuranceBay Agent
Errors & Omissions (E&O) Insurance Program



Limits of Liability   $1,000,000 per Claim / $2,000,000 Aggregate
  • All business written through any carrier and any General Agency is covered.
  • Start coverage immediately or delay inception to any date up to September 16, 2016.
  • Secretarial, clerical and administrative personnel are covered when acting on your behalf.
  • You can keep your prior acts coverage and avoid a gap in coverage, since we allow you to back date your policy effective date within 30 days
Warning! This program is available to producers with resident licenses issued by all states except AK and VT.

We are pleased to offer a competitively priced, comprehensive E & O program specifically tailored to you, the life insurance agent. No longer do you need to subject yourself to the confines of group sponsored E & O programs.


  • Carrier:
    Everest Indemnity Insurance Company
    (Non-Admitted Carrier / Rated A+ XV by A.M. Best)
  • Limits:
    Each Agent
    $1,000,000 per Claim / $2,000,000 Aggregate
    Policy Aggregate
    $15,000,000 Policy Aggregate (not applicable for NY residents)
  • Retention (Deductible):
    $500
    Claims Involving Only Life Products
    $2,500
    Claims Involving Annuities and Disability Insurance
    $5,000
    Claims Involving Variable Products and/or Mutual Funds
  • Covered activities:
    Sale or attempted sale or servicing of:
    • Life Insurance
    • Accident & Health Insurance
    • Long Term Care Insurance
    • Disability Insurance
    • Variable Products (optional)
    • Mutual Funds (optional)
    • Financial Planning incidental to the sale of the above products

For further information regarding coverage, policy exclusions and claims reporting, please refer to the Coverage Highlights and the FAQs.

For questions regarding the E&O Program, please contact:

(844)478-5321

Arthur J. Gallagher & Co. Insurance Brokers of California

Arthur J. Gallagher & Co. Insurance Brokers of California
18201 Von Karman Ave, Suite 200
Irvine, CA 92612
(800) 532-0327